Our Practice Areas
If you’re drowning under financial obligations, we may be able to help you. At the Law Offices of Sara E. Razavi, we will explain your rights, outline your options, and work closely with you throughout the bankruptcy process.
The prospect of foreclosure leaves many homeowners feeling frightened, helpless, and alone. Sara E. Razavi understands how devastating going through a foreclosure can be.
These days, there are many people who, despite their best efforts, simply can’t keep up with their mortgage payments. But at the Law Offices of Sara E. Razavi, we’re here to help homeowners across the Inland Empire.
• We Offer Free Consultations
• We commit to helping you or your family through every part of the bankruptcy process. From deciding what type of bankruptcy is right for you and through the court process.
• Your Bankruptcy case will be handled by Sara Razavi personally and not given to a less experienced attorney
• We offer Competitive Rates
• Electronic Filing so there is no wait to file
Areas We Server
Los Angeles County
San Bernandino County
San Diego County
Santa Barbara County
View List of Cities by County
Whether you should file Chapter 7, Chapter 11, or Chapter 13 will depend on the unique circumstances of your situation. One Chapter may be right for you but wrong for another. Make a mistake and you may lose your home, car, or other property. Make a mistake and you could be sanctioned by the court. That is why it is important to seek competent legal advice from an attorney. Also, review the bankruptcy information on this website with regard to Chapter 7, Chapter 11, or Chapter 13.
The centerpiece of a Chapter 13 is a “Plan” through which certain debts are paid over a 3 to 5 year period. Creditors cannot contact, harass or collect from you during the term of the plan. You can save and keep your house, car and other property in a Chapter 13. Debts that are generally paid in a Chapter 13 are mortgages arrears, balances on vehicle loans, and student loans.
Credit cards and other unsecured debt are usually paid only a small percentage of their claims. Your cosigners receive the same protection that you receive under Chapter 13. Chapter 13 will protect your cosigner from collection activity, & creditors must wait to be paid through the Chapter 13.
Stop Foreclosure & Save Your Car
Chapter 13 will stop a foreclosure any time prior to the sale and allow you to repay your mortgage arrears over a 36 to 60 month period. You will still be obligated to make all future mortgage payments, but the foreclosure is stopped. We can also use Chapter 13 to stop a finance company from repossessing your vehicle. If you purchased your vehicle more than a year and a half ago, we might be able to pay only the average of trade-in & retail values of your vehicle, the remaining amount owed will be treated as an unsecured debt. In some instances, I can get your car back if it has been recently repossessed.
Consolidate Student Loans & Eliminate a second deed of trust on your mortgage
Although you may not eliminate your student loans in a Chapter 7, we might be able to pay part of them in the Chapter 13 Plan and stop collection action against you. If there is any remaining balance on the student loan after your plan has ended, you should be in better financial situation to pay the remaining balance.
If your home is worth less than what you owe on a first mortgage, we can completely eliminate the second deed of trust and have it treated as a general unsecured debt. This little known right is especially possible in California, with its declined home values.
Chapter 7 is a form of debt relief by which you may eliminate unsecured debts such as credit cards, medical bills and personal loans. In most cases, you can keep your home, car and other personal belongings. Chapter 7 is also one way for you to begin re-establishing your credit by reducing your debt-to-income ratio. With little or no remaining debt, lenders may see that you will be better able to repay your debts in the future. Many people, who file Chapter 7, finance cars after discharge and may even receive solicitation for unsecured credit within months. I can provide an estimate of what your credit score will be 1 year after the bankruptcy is completed. In order to be eligible for Chapter 7, your income, usually, can be no greater than the medium income for Nevada, based on the size of your family. I may be able to use Chapter 7 to provide you with many of the following benefits:
Stop Creditor Harassment & End Lawsuits
If creditors are bothering you at work or home, harassing your family, friends and neighbors, call at all hours, you can put an end to it immediately simply by hiring me to represent you. Upon retaining my services, you provide creditors with my phone number so that they call me instead of you. Lawsuits to collect debts are automatically enjoined upon the filing of a chapter 7 bankruptcy. The worry of a judgment, with resultant garnishments and levies, will no longer be a concern. The creditor must abide by bankruptcy laws and stop the lawsuit.
Eliminate Repossession Debt & Cosigner is Not Paying
After your vehicle is repossessed, they auction it off to reduce their loss, usually at a sales price much less than the retail value. You are still responsible for the balance on the car, called a “deficiency balance.” Remove the risk of law suits & garnishments arising from the deficiency balance by filing a Chapter 7. If you cosigned for a friend or relative, and their failure to pay that debt has resulted in collection activity or a lawsuit against you, Chapter 7 can eliminate your liability for the cosigned debt.
Stop Garnishments & Keep Credit Cards
Chapter 7 is one of the most effective ways to immediately stop garnishments. Garnishments can take a portion of your hard-earned wages, making it nearly impossible for you to afford basic necessities. By filing a Chapter 7 and stopping the garnishment, you will be able to use your income for more important necessities and possibly start saving for your family’s future. Additionally, the process of “reaffirmation” during the Chapter 7 bankruptcy, will allow you to retain credit cards for which you, and the credit card company, want the relationship to continue.
A Case Like Yours
Get Your Free Consultation
We have 10 years of experience in the field, and we don't charge for the initial consultation. Our goal is to help you regain control of your finances and enjoy a fresh start. Our top concern is for your satisfaction and protecting your rights.
"A wonderful, friendly staff who worked great to get my needs met. I am forever grateful to you all."
"Sara E. Razavi is a highly skilled and extremely personable attorney. She and her staff are super helpful, friendly, professional, reachable, efficient, and organized. They were very gracious, prompt, and thorough in responding to all of our concerns. After having met and worked with several other attorneys in the area we were confident that Ms. Razavi was without question the most competent by far of all the rest. We were absolutely correct, and couldn't be more grateful for all the support we received."
"I could not have asked for a more friendly and helpful staff and attorney. Ms. Razavi and her team were so pleasant and kind that it literally felt like family. They had all the answers to my questions and walked me through every step of the bankruptcy process. I will definitely be referring others who need help to their office!"
"The Law Offices of Sara E. Razavi were very friendly and professional. They listened to my problems, offered a good solution and followed through with competent and complete instructions and follow through. They were able to handle my problem and I am happy with the solution we obtained through the courts. I highly recommend this practice to anyone in a similar situation."
Why Choose Us?
- Turn to Sara E. Razavi when you need help with bankruptcy and modification assistance. At the Law Offices of Sara E. Razavi, we have over 10 years of experience, and are looking forward to helping you in any way we can. Our staff is committed to protecting our clients' rights and helping them reach their goals.
- We offer payment plans along with reasonable fees to help you save money, and you’ll appreciate our flexible business hours - we don't close for lunch! Our dedicated staff has been with the office for years and we take pride in giving clients personal service.
- As a client, you’ll appreciate our quick responses and respectful demeanor. You can count on us to explain your different options and help you move through the legal process.
Law Offices of Sara E. Razavi
Sara E. Razavi has helped hundreds of individuals and couples achieve a fresh start from overwhelming debt – either by eliminating the debt through Chapter 7, or by reducing the debt to a manageable level through bankruptcy reorganization or non-bankruptcy workout.
Solid Reputation. Among bankruptcy attorneys and judges. In addition, she has cultivated strong relationships with bankruptcy trustees and trustee attorneys, which often helps achieve positive results for Sara’s clients.
Bankruptcy: Chapters 7 and 13
Loan Workouts and Negotiated Debt Settlements
Tax Debt Resolution
Representing debtors in personal and business Chapter 7 and 13 bankruptcy
Assisting clients in personal and commercial workouts and negotiated debt settlements
J.D., magma cum laude, Whittier Law School 2008